Market Street Wealth Management Advisors, LLC is a SEC-registered investment adviser with
its principal place of business located in Indiana. Market Street Wealth Management Advisors,
LLC began conducting business in 2001.
Listed below are the firm’s principal shareholders (i.e., those individuals and/or entities
controlling 25% or more of this company).
• Jessica Bokhart, Managing Partner
• Kyle Thompson, Senior Financial Planner.
The client can engage Market Street Wealth Management Advisors, LLC to provide
discretionary investment management, financial planning services, and/or retirement plan
consulting services (see discussions below). Before engaging Market Street Wealth
Management Advisors, LLC to provide investment advisory services, clients are required to
enter into an agreement with Market Street Wealth Management Advisors, LLC setting forth
the terms and conditions of the engagement, describing the scope of the services to be
provided, and the fees that a client will incur (see fee schedule at Item 5 below).
Market Street Wealth Management Advisors, LLC provides investment advisory services
specific to the needs of each client. Before providing investment advisory services, Market
Street Wealth Management Advisors, LLC will ascertain the client’s investment objective(s).
Market Street Wealth Management Advisors, LLC will then allocate the portfolio consistent
with the designated investment objective(s). Market Street believes that financial planning is
very important for individual and family clients. To the extent engaged to do so by an individual
or family client, Market Street Wealth Management Advisors, LLC will generally provide
financial planning and consulting services as part of its investment management fee as set
forth at Item 5 below. See Limitations of Financial Planning below. Please Note:
Standalone Investment Management and Pension Consulting clients do not receive financial
planning services.
SERVICE OFFERINGS: Market Street Wealth Management Advisors, LLC offers the
following services per the fee schedules disclosed at Item 5 below:
• Wealth Management; The client can engage Market Street Wealth Management
Advisors, LLC to provide discretionary investment advisory services on a fee only basis.
Market Street Wealth Management Advisors, LLC’s annual investment advisory fee is
based upon a percentage (%) of the market value of the assets placed under Market
Street Wealth Management Advisors, LLC’s management. Before engaging Market
Street Wealth Management Advisors, LLC to provide Wealth Management services,
clients are required to enter into a Wealth Management Advisory Agreement with
Market Street Wealth Management Advisors, LLC setting forth the terms and conditions
of the engagement (including termination), describing the scope of the services to be
provided, and the fee that is due from the client.
Market Street Wealth Management Advisors, LLC’s annual Wealth Management fee
shall include discretionary investment advisory services and, to the extent specifically
requested by a client, a broad array of financial planning and consulting services. In the
event that the client requires extraordinary planning and/or consultation services (to be
determined in the sole discretion of Market Street Wealth Management Advisors, LLC),
Market Street Wealth Management Advisors, LLC may determine to charge for such
additional services, as discussed in the Fee Differentials disclosures below.
To commence the investment advisory process, an investment adviser representative
will first ascertain each client’s investment objectives and then allocate and/or
recommend that the client allocate investment assets consistent with the designated
investment objectives. Once allocated, Market Street Wealth Management Advisors,
LLC provides ongoing monitoring and review of account performance and asset
allocation as compared to client investment objectives, and may rebalance and/or may
recommend that clients rebalance accounts as necessary based on such reviews.
• Investment Management without Planning (Standalone): The client can also choose
to engage Market Street Wealth Management Advisors, LLC to provide standalone
discretionary investment advisory services. Market Street Wealth Management
Advisors, LLC’s annual investment advisory fee is based upon a percentage (%) of the
market value of the assets placed under Market Street Wealth Management Advisors,
LLC’s management. Before engaging Market Street Wealth Management Advisors,
LLC to provide investment advisory services, clients are required to enter into an
Investment Management Advisory Agreement with Market Street Wealth Management
Advisors, LLC setting forth the terms and conditions of the engagement (including
termination), describing the scope of the services to be provided, and the fee that is
due from the client.
• ERISA Plans and Retirement Plan Consulting Engagements: We may be engaged
to provide investment advisory services to ERISA retirement plans, whereby the Firm
shall manage Plan assets consistent with the investment objective designated by the
Plan sponsor. In such engagements, the Firm will serve as an investment fiduciary as
that term is defined under The Employee Retirement Income Security Act of 1974
(“ERISA”). The Firm will generally provide services on an “assets under management”
fee basis per the terms and conditions of an Investment Advisory Agreement between
the Plan and the Firm. We may also provide investment advisory services to participant
directed retirement plans per the terms and conditions of a Retirement Plan Services
Agreement between us and the plan. For such engagements, we shall assist the Plan
with the selection of an investment platform from which Plan participants shall make
their respective investment choices, and, to the extent engaged to do so, may also
provide corresponding education to assist the participants with their decision-making
process.
• Foundations Program: Clients with less than $250,000 in investible assets can
engage Market Street Wealth Management Advisors, LLC for its Foundations program,
which includes discretionary investment advisory services and limited scope financial
planning. Market Street Wealth Management Advisors, LLC’s annual fee for the
Foundations program is a graduated fee increasing over a 4 year period for clients.
Before engaging Market Street Wealth Management Advisors, LLC to provide
Foundations services, clients are required to enter into a Foundations Advisory
Agreement with Market Street Wealth Management Advisors, LLC setting forth the
terms and conditions of the engagement (including termination), describing the scope
of the services to be provided, and the fee that is due from the client.
Market Street Wealth Management Advisors, LLC’s annual Foundations fee shall
include discretionary investment advisory services and, to the extent specifically
requested by a client, limited scope financial planning and consulting services. Clients
will remain eligible for Market Street Wealth Management Advisors, LLC’s Foundations
service for 4 years if they meet certain age and income requirements as outlined in a
Foundations Advisory Agreement, or until their assets exceed $248,276 and/or their
financial planning needs exceed the scope of services available under the Foundations
program.
Limitations of Financial Planning and Non-Investment Consulting/Implementation
Services. Market Street offers to provide financial planning services. To the extent engaged
by a client, in writing, to do so, Market Street Wealth Management Advisors, LLC shall
generally provide financial planning and related consulting services regarding non-investment
related matters, such as estate planning, tax planning, insurance, etc. inclusive of its
investment management fee at Item 5 below. Please Note: We do not serve as an attorney,
accountant, or insurance agency, and no portion of our services should be construed as same.
Accordingly, we do not prepare estate planning documents, tax returns or sell insurance
products. To the extent requested by a client, we may recommend the services of other
professionals for certain non-investment implementation purpose. The client is under no
obligation to engage the services of any such recommended professional. The client retains
absolute discretion over all such implementation decisions and is free to accept or reject any
recommendation that we make. Please Note: If the client engages any unaffiliated
recommended professional, and a dispute arises thereafter relative to such engagement, the
client agrees to seek recourse exclusively from and against the engaged professional. At all
times, the engaged licensed professional[s] (i.e. attorney, accountant, insurance agent, etc.),
and not Market Street, shall be responsible for the quality and competency of the services
provided. If the client engages any unaffiliated professional, and a dispute arises thereafter
relative to such engagement, the engaged professional (and not Market Street) shall remain
exclusively responsible for resolving any such dispute with the client.
Retirement Rollovers – Potential for Conflict of Interest: A client or prospective client
leaving an employer typically has four options regarding an existing retirement plan (and may
engage in a combination of these options): (i) leave the money in the former employer’s plan,
if permitted,
(ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted,
(iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value
(which could, depending upon the client’s age, result in adverse tax consequences). If Market
Street Wealth Management Advisors, LLC recommends that a client roll over their retirement
plan assets into an account to be managed by Market Street Wealth Management Advisors,
LLC, such a recommendation creates a conflict of interest if Market Street Wealth
Management Advisors, LLC will earn an advisory fee on the rolled over assets. No client is
under any obligation to rollover retirement plan assets to an account managed by Market
Street Wealth Management Advisors, LLC, whether it is from an employer’s plan or an existing
IRA. Market Street Wealth Management Advisors, LLC’s Chief Compliance Officer, Katie Jo
Fischer, remains available to address any questions that a client or prospective client may
have regarding the potential for conflict of interest presented by such rollover recommendation.
ERISA / IRC Fiduciary Acknowledgment. A client or prospective client leaving an employer
typically has four options regarding an existing retirement plan (and may engage in a
combination of these options): (i) leave the money in the former employer’s plan, if permitted,
(ii) roll over the assets to the new employer’s plan, if one is available and rollovers are
permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account
value (which could, depending upon the client’s age, result in adverse tax consequences). If
Market Street recommends that a client roll over their retirement plan assets into an account
to be managed by Registrant, such a recommendation creates a conflict of interest if Market
Street will earn new (or increase its current) compensation as a result of the rollover. If Market
Street provides a recommendation as to whether a client should engage in a rollover or not
(whether it is from an employer’s plan or an existing IRA), Market Street is acting as a fiduciary
within the meaning of Title I of the Employee Retirement Income Security Act and/or the
Internal Revenue Code, cash sweep. No client is under any obligation to roll over retirement
plan assets to an account managed by Registrant, whether it is from an employer’s plan or
an existing IRA. Registrant’s Chief Compliance Officer remains available to address any
questions that a client or prospective client may have regarding the potential for conflict of
interest presented by such rollover recommendation.
Please Note – Use of Mutual Funds and Exchange Traded Funds (“ETFs”) : Most mutual
funds and ETFs are available directly to the public. Thus, a prospective client can obtain many
of the mutual funds and ETFs that may be recommended and/or utilized by Market Street
Wealth Management Advisors, LLC independent of engaging Market Street Wealth
Management Advisors, LLC as an investment advisor. However, if a prospective client
determines to do so, he/she will not receive Market Street Wealth Management Advisors,
LLC’s initial and ongoing investment advisory services. Please Also Note – Use of DFA
Mutual Funds/ETFs: As indicated above, most mutual funds are available directly to the
public, without need to engage an investment professional. Other mutual funds/ETFs, such as
those issued by Dimensional Fund Advisors (“DFA”), are generally only available through
registered investment advisers. Market Street Wealth Management Advisors, LLC utilizes DFA
mutual funds and ETFs. Thus, if the client was to terminate Market Street Wealth Management
Advisors, LLC’s services, restrictions regarding transferability and/or additional purchases of,
or reallocation among, DFA funds will apply. Separate Fees: All mutual funds (and exchange
traded funds) impose fees at the fund level (e.g. management fees and other fund expenses).
All mutual fund fees are separate from, and in addition to, Market Street Wealth Management
Advisors, LLC’s wealth management fee as described at Item 5 below. Market Street Wealth
Management Advisors, LLC’s Chief Compliance Officer, Katie Jo Fischer, remains
available to address any questions that a client or prospective client may have
regarding the above.
Borrowing Against Assets/Risks. A client who has a need to borrow money could
determine to do so by using:
• Margin-The account custodian or broker-dealer lends money to the client. The
custodian charges the client interest for the right to borrow money, and uses the assets in
the client’s brokerage account as collateral; and,
• Pledged Assets Loan- In consideration for a lender (i.e., a bank, etc.) to make a loan to
the client, the client pledges its investment assets held at the account custodian as collateral;
These above-described collateralized loans are generally utilized because they typically
provide more favorable interest rates than standard commercial loans. These types of
collateralized loans can assist with a pending home purchase, permit the retirement of more
expensive debt, or enable borrowing in lieu of liquidating existing account positions and
incurring capital gains taxes. However, such loans are not without potential material risk to the
client’s investment assets. The lender (i.e. custodian, bank, etc.) will have recourse against
the client’s investment assets in the event of loan default or if the assets fall below a certain
level. For this reason, Market Street does not recommend such borrowing unless it is for
specific short-term purposes (i.e. a bridge loan to purchase a new residence).Market Street
does not recommend such borrowing for investment purposes (i.e. to invest borrowed funds
in the market). Regardless, if the client was to determine to utilize margin or a pledged assets
loan, the following economic benefits would inure to Market Street:
• by taking the loan rather than liquidating assets in the client’s account, Market Street
continues to earn a fee on such Account assets; and,
• if the client invests any portion of the loan proceeds in an account to be managed by
Market Street, Market Street will receive an advisory fee on the invested amount; and,
• if Market Street’s advisory fee is based upon the higher margined account value (see
margin disclosure at Item 5 below), Market Street will earn a correspondingly higher advisory
fee. This could provide Market Street with a disincentive to encourage the client to
discontinue the use of margin.
Please Note: Fee Differentials. Market Street shall generally price its advisory services
based upon various objective and subjective factors. As a result, our clients could pay diverse
fees based upon the type, amount and market value of their assets, the anticipated complexity
of the engagement, the anticipated level and scope of the overall investment advisory and
consulting services to be rendered. Additional factors effecting pricing can include related
accounts, employee accounts, competition, and negotiations.
Please Also Note: As a result
of these objective and subjective factors, similarly situated clients could pay diverse fees, and
the services to be provided by Market Street to any particular client could be available from
other advisers at lower fees. All clients and prospective clients should be guided accordingly.
ANY QUESTIONS: Market Street Wealth Management Advisors, LLC’s Chief Compliance
Officer, Katie Jo Fischer, remains available to address any questions regarding Fee
Differentials.
Account Aggregation Platforms: Market Street may provide its clients with access to one
or more online account aggregation platform (the “Platforms”). The Platforms allow a client to
view their complete asset allocation, including those assets that Market Street does not
manage (the “Excluded Assets”). Market Street does not provide investment management,
monitoring, or implementation services for the Excluded Assets. Unless otherwise specifically
agreed to, in writing, Market Street’s service relative to the Excluded Assets is limited to
reporting only. Therefore, Market Street shall not be responsible for the investment
performance of the Excluded Assets. Rather, the client and/or their adviser(s) that maintain
management authority for the Excluded Assets, and not Market Street, shall be exclusively
responsible for such investment performance. Without limiting the above, Market Street shall
not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded
Assets. The client may choose to engage Market Street to manage some or all of the Excluded
Assets pursuant to the terms and conditions of an Investment Advisory Agreement between
Market Street and the client. Certain of these Platforms also provide access to other types of
information and applications including financial planning concepts and functionality, which
should not, in any manner whatsoever, be construed as services, advice, or recommendations
provided by Market Street. Finally, Market Street shall not be held responsible for any adverse
results a client may experience if the client engages in financial planning or other functions
available on the Platforms without Market Street’s assistance or oversight.
Custodian Charges-Additional Fees. As discussed below at Item 12 below, when requested
to recommend a broker-dealer/custodian for client accounts, Market Street generally
recommends that Charles Schwab and Co., Inc. (“Schwab”) serve as the broker-
dealer/custodian for client investment management assets. Broker-dealers such as Schwab
charge brokerage commissions, transaction, and/or other type fees for effecting certain types
of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-
ups and mark-downs charged for fixed income transactions, etc.). The types of securities for
which transaction fees, commissions, and/or other type fees (as well as the amount of those
fees) shall differ depending upon the broker-dealer/custodian (while certain custodians,
including Schwab, do not currently charge fees on individual equity transactions (including
ETFs, others do). There can be no assurance that Schwab will not change its transaction fee
pricing in the future. When beneficial to the client, individual fixed‐income and/or equity
transactions may be effected through broker‐dealers with whom Market Street and/or the
client have entered into arrangements for prime brokerage clearing services, including
effecting certain client transactions through other SEC registered and FINRA member broker‐
dealers (in which event, the client generally will incur both the transaction fee charged by the
executing broker‐dealer and a “trade-away” fee charged by Schwab). These fees/charges are
in addition to Market Street’s investment advisory fee at Item 5 below. Market Street does not
receive any portion of these fees/charges.
Portfolio Activity. Market Street has a fiduciary duty to provide services consistent with the
client’s best interest. Market Street will review client portfolios on an ongoing basis to
determine if any changes are necessary based upon various factors, including, but not limited
to, investment performance, market conditions, fund manager tenure, style drift, account
additions/withdrawals, and/or a change in the client’s investment objective. Based upon these
factors, there may be extended periods of time when Market Street determines that changes
to a client’s portfolio are neither necessary, nor prudent. Clients remain subject to the fees
described in Item 5 below during periods of account inactivity. Of course, as indicated below,
there can be no assurance that investment decisions made by the Market Street will be
profitable or equal any specific performance level(s).
Please Note: Cash Positions. Market Street continues to treat cash as an asset class. As
such, unless determined to the contrary by Market Street, all cash positions (money markets,
etc.) shall continue to be included as part of assets under management for purposes of
calculating Market Street’s advisory fee. At any specific point in time, depending upon
perceived or anticipated market conditions/events (there being no guarantee that such
anticipated market conditions/events will occur), Market Street may maintain cash positions
for defensive purposes. In addition, while assets are maintained in cash, such amounts could
miss market advances. Depending upon current yields, at any point in time, Market Street’s
advisory fee could exceed the interest paid by the client’s money market fund. ANY
QUESTIONS: Market Street’s Chief Compliance Office remains available to address any
questions that a client or prospective may have regarding the above fee billing practice.
Please Note: Socially Responsible Investing Limitations. Socially Responsible
Investing involves the incorporation of Environmental, Social and Governance
considerations into the investment due diligence process (“ESG). There are potential
limitations associated with allocating a portion of an investment portfolio in ESG securities
(i.e., securities that have a mandate to avoid, when possible, investments in such products as
alcohol, tobacco, firearms, oil drilling, gambling, etc.). The number of these securities may be
limited when compared to those that do not maintain such a mandate. ESG securities could
underperform broad market indices. Investors must accept these limitations, including
potential for underperformance. Correspondingly, the number of ESG mutual funds and
exchange traded funds are few when compared to those that do not maintain such a mandate.
As with any type of investment (including any investment and/or investment strategies
recommended and/or undertaken by Market Street), there can be no assurance that
investment in ESG securities or funds will be profitable, or prove successful.
Cash Sweep Accounts.
Account custodians generally require that cash proceeds from account transactions or cash
deposits be swept into and/or initially maintained in the custodian’s sweep account. The yield
on the sweep account is generally lower than those available in money market accounts. To
help mitigate this issue, Market Street shall generally purchase a higher yielding money
market fund available on the custodian’s platform with cash proceeds or deposits, unless
Market Street reasonably anticipates that it will utilize the cash proceeds during the
subsequent 90-day period to purchase additional investments for the client’s account.
Exceptions and/or modifications can and will occur with respect to all or a portion of the cash
balances for various reasons, including, but not limited to, the amount of dispersion between
the sweep account and a money market fund, the size of the cash balance, an indication from
the client of an imminent need for such cash, or the client has a demonstrated history of writing
checks from the account.
Please Note: The above does not apply to the cash component maintained within the
Registrant’s actively managed investment strategy (the cash balances for which shall
generally remain in the custodian designated cash sweep account), an indication from the
client of a need for access to such cash, assets allocated to an unaffiliated investment
manager, and cash balances maintained for fee billing purposes. Please Also Note: The client
shall remain exclusively responsible for yield dispersion/cash balance decisions and
corresponding transactions for cash balances maintained in any of the Registrant’s
unmanaged accounts.
Cybersecurity Risk. The information technology systems and networks that Market Street
Wealth Management Advisors and its third-party service providers use to provide services to
Market Street Wealth Management Advisors ’s clients employ various controls, which are
designed to prevent cybersecurity incidents stemming from intentional or unintentional actions
that could cause significant interruptions in Market Street Wealth Management Advisors ’s
operations and result in the unauthorized acquisition or use of clients’ confidential or non-
public personal information. Clients and Market Street Wealth Management Advisors are
nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to
incur losses, including for example: financial losses, cost and reputational damage to respond
to regulatory obligations, other costs associated with corrective measures, and loss from
damage or interruption to systems. Although Market Street Wealth Management Advisors has
established its processes to reduce the risk of cybersecurity incidents, there is no guarantee
that these efforts will always be successful, especially considering that Market Street Wealth
Management Advisors does not directly control the cybersecurity measures and policies
employed by third-party service providers. Clients could incur similar adverse consequences
resulting from cybersecurity incidents that more directly affect issuers of securities in which
those clients invest, broker-dealers, qualified custodians, governmental and other regulatory
authorities, exchange and other financial market operators, or other financial institutions.
Vanguard Personalized Indexing Management service. Market Street Wealth
Management Advisors has engaged Vanguard’s Personalized Indexing Management service
to provide Sub-Advisory Services to, and delegate to, Vanguard Personalized Indexing
Management discretionary trading authority over, pursuant to its explicit power to do so
granted to it by its Clients, each Investor Account, according to the terms of a signed
contractual agreement. This program is made available to certain Market Street Wealth
Management Advisors clients, where the firm has determined that such clients may benefit
from the Vanguard service. Vanguard Personalized Indexing Management provides Sub-
Advisory Services specified in our agreement with that sub-advisor. Market Street Wealth
Management Advisors is independent of and not owned by, affiliated with, or sponsored or
supervised by Vanguard Personalized Indexing Management or their affiliates. Market Street
Wealth Management Advisors, and not Vanguard Personalized Indexing Management,
serves as the client’s investment advisor and primary point of contact with respect to the
program. However, as the Sub-Advisor, Vanguard Personalized Indexing Management will
execute the investment strategy and portfolio determined by Market Street Wealth
Management Advisors for the client’s investment needs and goals and manage that portfolio
on an ongoing basis. Vanguard Personalized Indexing Management maintained procedures
intended to protect Customer Data and maintain Customer privacy according to the Vanguard
Personalized Indexing Management Privacy Policy.
Pontera. Market Street Wealth Management Advisors uses Pontera, a third party platform to
facilitate the management of held away assets such as 401(k)s, 403(b)s, annuities, and 529
education savings plans, defined contribution plan participant accounts, with discretion and
as an order management system for such accounts. Those clients who choose to engage
Market Street Wealth Management Advisors to service their held away accounts will be
provided a link to connect their outside accounts to the platform. Once the client’s account(s)
is connected to the platform, Market Street Wealth Management Advisors will review the
client’s current account allocations. Market Street Wealth Management Advisors will
rebalance the connected outside accounts consistent with the client’s investment goals and
risk tolerance. Client account(s) will be reviewed at least quarterly. To facilitate use of the
Pontera platform, the client securely logs into the Pontera site and entitles Market Street
Wealth Management Advisors to manage the assets. Pontera charges Market Street Wealth
Management Advisors. Clients do not pay any additional fee to Pontera or to Market Street
Wealth Management Advisors in connection with platform participation, Market Street Wealth
Management Advisors pays Pontera an annual fee based upon the percentage of assets
managed through the held away accounts. Market Street Wealth Management Advisors is not
affiliated with the Pontera platform in any way and receives no compensation from them for
using their platform.
ByAllAccounts Client Access. In conjunction with the services provided by ByAllAccounts,
Market Street Wealth Management Advisors may also provide periodic comprehensive
reporting services, which can incorporate all of the client’s investment assets including those
investment assets that are not part of the assets managed by Market Street Wealth
Management Advisors (the “Excluded Assets”). Market Street Wealth Management Advisors’
service relative to the Excluded Assets is limited to reporting services only, which does not
include investment implementation. Because Market Street Wealth Management Advisors
does not have trading authority for the Excluded Assets, to the extent applicable to the nature
of the Excluded Assets (assets over which the client maintains trading authority vs. trading
authority designated to another investment professional), the client (and/or the other
investment professional), and not Market Street Wealth Management Advisors, shall be
exclusively responsible for directly implementing any recommendations relative to the
Excluded Assets. The client and/or their other advisors that maintain trading authority, and
not Market Street Wealth Management Advisors, shall be exclusively responsible for the
investment performance of the Excluded Assets. Without limiting the above, Market Street
Wealth Management Advisors shall not be responsible for any implementation error (timing,
trading, etc.) relative to the Excluded Assets. In the event the client desires that Market Street
Wealth Management Advisors provide investment management services with respect to the
Excluded Assets, the client may engage Market Street Wealth Management Advisors to do
so pursuant to the terms and conditions of the Investment Advisory Agreement between
Market Street Wealth Management Advisors and the client.
Client Obligations. In performing our services, Market Street Wealth Management Advisors,
LLC shall not be required to verify any information received from the client or from the client’s
other professionals, and is expressly authorized to rely thereon. Moreover, each client is
advised that it remains his/her/its responsibility to promptly notify us if there is ever any change
in his/her/its financial situation or investment objectives for the purpose of
reviewing/evaluating/revising our previous recommendations and/or services.
Please Note: Investment Risk. Different types of investments involve varying degrees of
risk, and it should not be assumed that future performance of any specific investment or
investment strategy (including the investments and/or investment strategies recommended or
undertaken by Market Street Wealth Management Advisors, LLC) will be profitable or equal
any specific performance level(s).
Disclosure Statement. A copy of our written Brochure and Client Relationship Summary,
as set forth on Part 2 of Form ADV and Form CRS respectively, shall be provided to each
client prior to the execution of any advisory agreement.
AMOUNT OF MANAGED ASSETS
As of 12/31/2023, we were actively managing $574,349,504 of clients’ assets.
$568,291,999.00 on a discretionary basis and $3,553,021.00 on a non-discretionary basis.